06/20/2026
Please consider the Piper Aviation Museum as the QCD for your RMD.
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⏳ You have to take your RMD, but it cannot go back into the account or convert to a Roth.
If you will not spend it, a qualified charitable distribution lets you send up to $111,000 straight from the IRA, which satisfies the RMD and never counts as income.
If you or a spouse still have wages or self-employment income, up to $8,600 at 50 and older can go into a Roth IRA, though the RMD itself does not count as earned income.
And if neither fits, no rule says you must spend it, so you can buy the same investments in a taxable brokerage account.
Even an RMD you reinvest still counts as income, and it can raise your IRMAA premium and the tax on your Social Security.
A QCD is the only one of these that stays out of that math, but it has to be a direct transfer and cannot be done after you have taken the cash.
If your RMD is more than you spend, which direction would you lean?
*The content shared here is for educational and informational purposes only. It is not personalized investment, tax, legal, or financial advice. Consult a licensed professional before making decisions based on your specific situation.*
